How to input hard money loan in BRRRR calculator

[Melissa Dinas]

I'm having trouble figuring out how to input the information correctly into the BRRRR calculator. I'm using a hard money personal loan. Here are the numbers:

Fee: 9.9% of loan total

Int. rate:  8%

Amortized: 7 years 

Questions:

Is the 9.9% considered points? If not, where does that figure go in the calculator?

Is the "other charges from the lender" a one-time charge or recurring? What should go in there?

Also, how can my monthly cashflow be negative when my CoCROI is INF%??